Articles Posted in Insurance Information

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How Insurance Companies Value Personal Injury Cases

Although no two insurance companies have the same approach, there are some common elements on how insurance companies value personal injury cases.  Here are some, but not all of them:

1) Is liability on the part of the insured person(s) or company clear, and if not, is there any liability at all? An example would be a a slip and fall accident claim.  The insurance adjuster will closely analyze and evaluate whether or not the insured could be considered negligent in causing, or contributing to the accident.

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Massachusetts Personal Injury Cases and Settlement Funding

This is a topic I deal with quite frequently when representing personal injury victims. Often, my clients will call me and tell me the accident they were involved in has financially harmed them so much, they are willing to take a loan out.  For example, suppose the client was riding a bicycle and was hit by a car.  The person may be really injured, racking up medical bills, and maybe lost wages, too.  Sometimes the client will see an ad on television from companies that provide funding to people injured in an accident and that have an open case pending with an insurance company.

The loan is typically financed by a pre-settlement funding company. When my clients ask me about this option, I try very hard to persuade them not to take out such a loan, because the interest rates can be very daunting.  Basically, the way it works is this: the pre-settlement funding company will closely analyze the client’s case, and loan application, and then decide whether or not the case is strong enough to guarantee the company will recoup their money, once the case settles.

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Here is a great article I came across written by Maryland personal injury lawyer Ronald Miller regarding how the issue of defense costs affects an insurer's willingness to settle a personal injury case.  Here is the article:

Can I Expect the Insurance Company to Settle to Avoid the Costs of Litigation?

by Ron Miller on July 13, 2012

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Many people decide to take a stab at handling their automobile accident claim without an attorney.  That usually turns out to be a bad idea. 

Why would an insurance company be concerned about you suing their insured (the person or company that injured you and whom they insure) when you are not a lawyer?  Why would an insurance company pay you fair and reasonable compensation for your injuries when they know you don't have the leverage that an experienced attorney provides?  Why would an insurance company not try to trick you since you don't regularly handle personal injury claims? 

If you, or someone you know, has been injured in a car accident, call my office right now at 617 338 7400 or email me at cearley@earleylawgroup.com for a completely free, no obligation consultation.  My office does not get paid unless your case settles or wins in court.

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Don’t Have a Lawyer and the Insurance Company is Contacting You?

Each and every day Massachusetts auto insurance companies, upon learning of an auto accident in which they may have to pay out money damages, will contact you.  They will send an insurance adjuster to the home of the injured party and attempt to have him/her sign a release. The insurance adjuster shows up, big smile, and explains there is no need to get a lawyer. Then, as is very common, the adjuster will offer some small money, maybe $500, maybe $1000, to the injury victim in order to settle the case as quickly as possible.

This scenario gets me upset – and I see it all the time – because most people, after an accident, don’t know their rights, unless he/she first speaks with an auto accident attorney. The insurance adjuster know this, and capitalizes on it, in order to save the insurance company money (better for the insurance company to get rid of case fast before it has to pay out much more money when an attorney becomes involved in the case). By signing a release without first speaking with an attorney basically guarantees that you are severely limiting your rights and potential compensation.

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Each and every day Massachusetts auto insurance companies, upon learning of an auto accident in which they may have to pay out money damages, will send an insurance adjuster to the home of the injured party and attempt to have him/her sign a release.  The insurance adjuster shows up, big smile, and explains there is no need to get a lawyer.  Then, as is very common, the adjuster will offer some small money, maybe $500, maybe $1000, to the injury victim in order to settle the case as quickly as possible. 

This scenario gets me upset - and I see it all the time - because most people, after an accident, don't know their rights, unless he/she first speaks with an attorney.  The insurance adjuster know this, and capitalizes on it, in order to save the insurance company money (better for the insurance company to get rid of case fast before it has to pay out much more money when an attorney becomes involved in the case).

By signing a release without first speaking with an attorney basically guarantees that you are severely limiting your rights and potential compensation.  Do not sign ANYTHING the adjuster gives to you.  When the adjuster (still with the big smile) tells you there is no need to get a lawyer, tell him or her that you disagree.  End the meeting, and find a lawyer to consult with about your rights, should you be injured in a car accident in Massachusetts. 

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1) It compensates for the medical treatment the injury victim had to endure;

2) It covers the medical bills and liens that must be paid out of the settlement;

3) It adequately compensates the injury victim for lost wages, and if applicable, future lost wages or impairment of earning capacity;

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